What is a Medical Aid?
A Medical aid is regulated by the Medical Schemes Act.
A medical aid pays most procedures for which you qualify on your scheme option
What is Medical Insurance?
Medical Insurance is regulated by the Long Term and Short Term Insurance Act
Medical Insurance pays for limited procedures and Limits apply
What is Gap Cover?
Gap cover pays when a medical procedure is done and they charge you more than the amount your medical aid pays.
Refunds for such payment is made only when the procedure is covered by your medical aid.
Gap cover can be taken to cover expenses that is 200%, 300%, 500% or 700% above the medical Aid tariff.
Gap cover is not applicable when you have medical insurance
You can read more about the difference here…
When you do apply for a medical option consider the following
For people older that 35, there can be premium penalties if you were not on a medical aid for a period.
The following Penalties apply:
1-4 years without: 5%
5-14 years without: 25%
15-24 years without: 50%
25+ years without: 75%
It is vital that you continue to be a member of a medical aid to make your medical aid affordable.
What do we offer?
A range of medical aid, medical insurance and gap covers.
We will provide you with the best medical option for your need and budget.
We will assist you with claims when there is a problem.
When you have a medical query we will provide you with the answer or we will get the answer.
Submit your details and we will give you a call for more information to do a quote.